Bernice Chau

  • Sr. Loan Officer
  • NMLS: 245002 CAL DRE# 01300642
  • (415) 412-5363
  • 3327 Castro Valley Blvd.
  • Castro Valley, CA 94546

As a lender who has been in the business since 1999, I enjoy helping clients choose a solid loan program that is just right for your needs. Whether this is your first home loan, your last, a loan for an investment property or a vacation home, or need to refinance, I would be honored to be your Senior Loan Officer.

Clients can rely on my experience, education, knowledge, and market research to choose a loan that fits their needs now and in the future without feeling pressured to commit.

Our first step is to discuss your needs and for me to share the loan programs that are out there for you. I understand securing a loan can often be a daunting process, but it is my goal to provide you with an experience that answers your questions, eases your mind, and allows you to feel secure in choosing a home loan that fits within your budget and your situation.

Concerned about the different loan choices? Let me explain the benefits of each and assess what makes the most sense for you and your family.

Not sure whether paying points makes sense? We can crunch the numbers together and I can show you how this might impact your finances.

Confused about the process, timing, what paperwork needs to be submitted? Let me ease the burden with guidance and trust that I can ease you through the process.

Self-employed? Recent job or family-life change? Circumstances that might cause you to worry about qualifying? I am a great listener who has experienced clients with many of your same situations and will be happy to listen with patience and without judgment.

Equal Housing Lender. Contact me at

Who Qualifies For A Reverse Mortgage?
Who Qualifies For A Reverse Mortgage?
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A reverse mortgage is a loan for homeowners over 62 years of age who have substantial equity in their homes. With this loan, they can borrow against their equity and get access to cash to pay for any cost-of-living expenses they may have. Rates... Read More
Discover Your Home Equity Options
Discover Your Home Equity Options
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One of the pluses of property ownership is the opportunity to build equity. If there's ever a time that you need a considerable amount of cash (such as for paying off debt or a home remodel), you'll have access to it by borrowing against your home... Read More
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What Does It Mean To Cosign On A Mortgage?
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Have you been asked to cosign by someone looking to get a home loan approval? You may be wondering why they would ask or how this affects you. This article will help you to understand both of these points.  Why Were You Asked To... Read More
How Much Down Payment Do You Need To Buy A Home?
How Much Down Payment Do You Need To Buy A Home?
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If you're considering buying a home, you might wonder how much is required as a down payment. Here is a quick run-down of the requirements of the down payment per loan type. Do You Need To Put 20% Down On A House? You'll often hear the down payment... Read More

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